Frequently Asked Questions

There are several options available to enrolling in an insurance class.

1. Print/Mail.

Students/managers can print and complete an enrollment application and mail it to the
office.The mailing address is listed to your left.

2. Fax.

Students/managers may fax the completed enrollment application to the office. The fax number is
(800) 971-4371.

3. By
Phone.

Students/managers can call our office and a staff member will be happy to take an enrollment
application over phone with a credit card. The office number is

(919) 859-2104.

4. Stop by the Office.

Live in the Raleigh/Cary area: The administrative office hours are Monday - Friday, 8:30am -
4:00pm. Face to face meetings are by appointment only.

5. Online.

Insurance candidates and/or their managers can register for the classroom or correspondence
program with a click of a button. More details are located in the Payment Center.

Q2: What are the costs for the insurance classes?

Tuiton for the insurance classes is listed below. Get an incentive of $25 off the cost of
tuition by pre-paying for classes. Add $5 per class when paying by credit card.

Enrollment Fees (Classroom Instruction)

Course

Regular Price

Pre-Paid Price

Life only

$155

$130

Accident & Health only

$155

$130

Property & Casualty / Personal Lines
/ Adjusters

$270

$265

Medicare Supplement & Long Term
Care

$160

$135

Enrollment Fees (Correspondence)

Course

Price

Life

$135

Accident and Health

$135

Property

$135

Casualty

$135

Personal Lines

$275

Adjuster

$275

Medicare Supplement & Long Term
Care

$135

Q3:What does prepaid mean?

Prepaid means the tuition must be received in the office NO LATERthan 3:00 pm of the last
business day before the scheduled class (including faxes, emails and package services.) After 3:00 pm, students will not be able to pre-register and must bring cash or money order to class as a
walk-in. The walk-in tuition should include an additional $25. Prepaying tuition qualifies for a $25.00 discount.

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Q4: How do I pay for an insurance course/class?

Students/managers may pay for an insurance course/class either by debit/credit cards,
check, or cash. There is an additional $5 charge per course/class for the use of the card. We accept the follwing major credit cards, Visa, Mastercard, and Discover.

Students/mangers may mail in the enrollment application and use a personal check, agency check,
money order, certified check, or company check. Finally, one may pay in the office with cash in addition to the methods listed above.

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Q5: What is your refund policy?

Full refunds are honored under the following criteria. Requests for refunds MUST be made before
3:00 pm of the last business day before the scheduled class. Requests made

1. AFTER 3:00 pm of the last business day before the scheduled class,

2. Over the weekend,

3. By fax, email or packaged service,

4. On the first day of class or any time thereafter

will NOT receive a refund. Also, tuition will not be transferable.

Refund checks will be mailed on the 10th business day.

Q6: Can I enroll online?

Yes you can,we offer online enrollment. You can find all of the details in the Payment
Center.

Q7: Does IES take credit cards?

Yes, we accept debit and credit cards. We accept Visa, Mastercard, and Discover. There is an
additional $5 fee per course/class. To avoid the $5 credit card fee students may send the application through the mail with a personal check, agency check, money order, certified check, or company
check. Also, students may pay at our Administrative Office with all of the methods listed above. Please contact us prior to your arrival.

Q8:What are the N.C. insurance licensing requirements and what are the class registration procedures? What happens if I don't show up for the
first day of class?

NORTH CAROLINA INSURANCE LICENSING
INFORMATION

1.North Carolina law dictates a minimum of 20 hours of education from an approved pre-licensing educational provider prior to an agent
candidate being permitted to sit for the life insurance, accident and health insurance, property insurance, casualty insurance, and personal lines licensing examination. A minimum of 10 hours of
education is required prior to sitting for the Medicare Supplement / Long Term Care insurance licensing examination.

2.To comply with this regulation, attendance of all class sessions is mandatory. Late arrival to class or early departure
from class will prevent Insurance Educational Systems from certifying completing of the educational requirement. In addition, agent candidates must pass a mandated course final exam.

3.The licensing examination is administered by Pearson Vue (www.pearsonvue.com) The Certificate of Course Completion/Examination Admission Ticket is contained in the State of North Carolina Insurance Licensing Candidate
Guide.

4.Pearson Vue's computerized examinations are offered Tuesday through Saturday in various statewide locations. Appointments for the state
examination must be made in advance. For site locations, examination schedules and reservations, call the reservation number at 1-800-274-0668. Our school code for registration is 4061 (classroom) or
4127 (correspondence).

5.To be admitted to the state examination, the candidate must call Pearson Vue and reserve a seat, pay the appropriate fee and bring to the
testing center the "certified" Certificate of Course Completion/Examination Admission Ticket and 2 forms of I.D. (one must be a government issued, photo bearing.)

CLASS REGISTRATION PROCEDURES

1.Pre-registration for an insurance class is strongly suggested. Pre-registration for classes can ONLY be accomplished by
completing an application and submitting it with the listed tuitionto arrive by 3:00 pm on the last business day prior to the schedule class. The prepaid
tuition entitles the student to a discount from the normal tuition.

2.Seats are guaranteed only upon receipt of the enrollment application and tuition before 3:00 pm.

3.Other candidates (called walk-ins) for insurance classes will be admitted, space available, upon payment of the listed tuition in the form
of cash or money order ONLY and availability.

4. NCDOI Statute and Regulations require, "Candidates who do not pass the licensing examination within 90 days or 5 attempts at the state licensing exam must be "re-certified" as
having completed the educational requirement again."

Tuition for re-certification will be 50% of listed tuition for that program plus $25.00 for
walk-in registrants (Prepaid rate is 50% of the tuition.)

NON-ATTENDEE REFUND POLICY OF LISTED
TUITIONS

1.Candidates/students who pre-register and do not show up to class on the first day will not receive a tution refund. No
exceptions.

2.Also, the credit for the class is not transferrable to another student.

Q9:What prelicensing courses do you offer? Do I need a sponsor?

I.E.S. offers the following insurance classes, Life, Accident & Health,
Property, Casualty, Personal Lines and Medical Supplement / Long Term Care. Although there are no prelicensing requirements for Adjusters, we offer a class to assist in the preparation for the state
exam.

No. Students do not need a sponsor in order to take a prelicensing
class.

Q10:Do you offer weekend classes?

No, we do not offer weekend classes.

Q11:Do you offer night classes?

No, if day classes are not suitable, the Correspondence programs are available.

Q12:What happens if I fail my course tests?

Students who are unsuccessful on the prelicensing course exam must contact
the office to set up an appointment to re-test. If you are in the Raleigh/Cary area, we offer re-tests in our Administrative Office (if available) on Tuesdays and Thursdays at 10:00 am and 1:00 pm. If you do not want to come to our Raleigh office, you may select a class from our schedule and the instructor from that class will administer the re-test
in that city. In either option, by visiting the Raleigh office or visiting a classroom in another city, students MUST contact the Administrative Office to set up an appointment to re-test. If
students do not make an appointment to re-test, the instructor will NOT have an exam for you.

Students who are unsuccessful on the classroom prelicensing exam can re-test
up to one year at no additional cost. In addition, these students may attend all or part of the same class for up to one year to prepare for the prelicensing exam at no additional cost. Students
re-testing or wishing to attend a scheduled class MUST contact the office and arrive at the class location at the designated time.

You must call our Raleigh administrative office to setup an
appointment (919) 859-2104.

Q13:Can I miss any time from class?

Time in the classroom is mandated by the state of North Carolina. ATTENDENDANCE OF
ALL CLASS SESSIONS ARE MANDATORY. No exceptions.

You will receive them the first day of class. The materials are included in your
tuition.

Correspondence Program

IMPORTANT INFORMATION

The North Carolina State Department of Insurance Regulations require a specific amount of pre-licensing education hours
in an insurance program either in the classroom or in a correspondence program. The correspondence program does not require students to come to class at a designated time; however, students are still
required to meet specific obligations and educational requirements in order to be a successful insurance candidate.

Course Procedure

1.Registration and tuition must be received in the Raleigh Administrative Office prior to beginning a Correspondence program.

2.In order to begin a Correspondence program the student must participate in a first session with an instructor either by phone or
email.

3.Once the correspondence material is completed, the student should call the Administrative Office and schedule the course final exam.
The course final can be taken by attending a testing session (last day) of a classroom program. Student must call and schedule an appointment time to take the final exam. The Raleigh Administrative
Office number is (919) 859-2104.

4.The North Carolina Insurance Candidate Guide (required for admission to the state licensing examination) will be provided as part of the
course material.

5.Correspondence courses must be completed within 6 months from the date of the payment/ receipt.

6. There is no refund for the Correspondence program once the material has been mailed nor is it
transferable.

Q15:How long do I have to complete a Correspondence program?

Students in the Correspondence program have six months from the date of the
payment/receipt.

Q16:If I want to change from the prelicensing Correspondence program to Classroom program, can I?

No. Students may not switch from one program to the other.

Q17: How old do
I have to be to become licensed?

Students wishing to obtain an insurance license must be at least 18 years of
age. The age requirement is a N.C. State Regulation.

Q18:What license is required to sell variable contracts?

In order to offer variable contracts (life or annuities), an individual must be a licensed Life
agent AND be a registered securities representative through FINRA (Series #6 or #7) and the Securities Division of the N.C. Secretary of State's office.

Yes, students can surrender their Adjuster's license to the North Carolina Department of Insurance and apply with the Department for a Property & Casualty agent's license. Candidates cannot
hold both the Adjuster and Property & Casualty agent's license simultaneously. However, candidates may hold the Propety & Casualty Adjuster's license and the Life and/or Accident & Health
license.